First Community Mortgage in Massachusetts vs the state
5.4%Denial rate-10.86 pts vs state
6.1%Decision denial rate-13.89 pts vs state
75.9%Origination rate+13.32 pts vs state
6.63%Median rate0.00 pts vs state
0.38Rate spread (pts)+0.28 pts vs state
$138kMedian applicant income
227Loans originated
16Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 23 | 0.0% | 7.50% | #359 |
| 2024 | 219 | 198 | 3.2% | 6.63% | #141 |
| 2025 | 299 | 227 | 5.4% | 6.63% | #118 |
What First Community Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 52 | 45 | 2 | 3.8% |
| Bristol County | 46 | 32 | 2 | 4.3% |
| Plymouth County | 45 | 36 | 2 | 4.4% |
| Middlesex County | 36 | 29 | 3 | 8.3% |
| Norfolk County | 30 | 21 | 2 | 6.7% |
| Hampden County | 24 | 17 | 2 | 8.3% |
| Suffolk County | 23 | 18 | 2 | 8.7% |
| Barnstable County | 20 | 12 | 0 | 0.0% |
| Essex County | 19 | 14 | 1 | 5.3% |
| Hampshire County | 2 | 2 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 299 applications in 2025, of which 227 were originated and 16 denied.
5.4% of all applications, or 6.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans First Community Mortgage originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First Community Mortgage's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology